| Car
insurance is a must if you own and operate a motor vehicle.
In fact, nearly all road vehicles require insurance,
from cars to taxis, motorcycles to vans, and commercial
vehicles.
Car insurance is required by law
in the UK for good reason: everyone needs some form
of financial protection in the event of an accident,
no matter what their situation in life. Car insurance
has been required by law since 1930, at which time
every person who was in operation of a motor vehicle
was required to have a minimum of third party personal
injury cover. The same minimum requirement is in operation
now. Simply put, this type of insurance provides coverage
for a third party if you are responsible for injuring
them in an automobile accident. For third party car
insurance - click here.
Most people, of course, choose to
purchase an auto insurance plan that covers for more
than just third party personal injury. That's because
the bare minimum is just that - rather bare. It is
usually advisable to purchase insurance, for instance,
that also covers your own person for injury. Other
options include coverage for towing expenses, repair
and replacement of your vehicle, and theft.
Usually the best coverage comes in
the form of comprehensive car insurance. Basically,
this insurance covers you for anything that can happen
to your vehicle, or as a result of driving your vehicle.
There is, of course, a large "but" to this
type of policy, in that not everything is covered
by comprehensive insurance. When you read the fine
print you will find that there are many exceptions
to the rules that you need to look out for. For comprehensive
car insurance - click here.
Another alternative is called third
party fire and theft insurance. This type of insurance
specifically covers you for damage caused by, as the
name aptly implies, fire and theft in addition to
the coverage provided by third party insurance. In
the end, the kind of insurance you choose depends
entirely on what coverage is most important to you.
For third party fire and theft car insurance - click
here.
And, as mentioned above, car insurance
doesn't just provide protection for cars. You need
insurance to cover motorcycles, commercial vehicles,
taxis and classic cars. If it moves, you probably
need to insure it.
You car is one of the most important
things you own - it gets you to where you want to
go in a world that doesn't allow for many alternative
forms of transport. Essentially, car insurance provides
you with the protection you need to feel secure.
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